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Travel insureance is not about sense its about making money for the insurance company - something like your ear problem is far more likley to trigger a clain - albe it small than someone with heart diseaes and therefore will involve them giving out money

How long do you think it will be before you get an appointment? You could always add the condition after if you get some kind of diagnosis

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it's not urgent so i don't know - hopefully in the next month or two. Trouble is i don't agree with what the consultant wants to do- i know that sounds pompous but he has met me twice and i've been living with my ear issues for around 20 years. anyway back to the issue

who is a good company for pre existing conditions? do you think it's worth just getting a quote for me and getting the rest of the family on a separate policy?

We used direct line for our travel insurance. I think they cost a little more than some of the other ones, but we had just got over a recent spell in hospital with my little girl who was 2, we had appointments coming up and they didnt seem to mind about it